Association Health Plans

Review the requirements for association health plans (AHPs) imposed by the Employee Retirement and Income Security Act (ERISA). Understand how U.S. Department of Labor rules shape how you advise clients wishing to either establish a new AHP or reevaluate the operations of an existing AHP. Get answers to two threshold questions that any association seeking to establish an AHP must address: (1) whether the association qualifies as a bona fide association under ERISA and therefore meets the definition of employer capable of sponsoring an ERISA health plan, and (2) depending on the association’s qualifications, whether it can adopt a viable AHP.

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Related Content

• Critical Illness Insurance
  Understand whether this type of insurance should be considered a health insurance product or a life insurance product. Learn the reasons why critical illness policies pay defined benefits as lump sums or in periodic installments for covered illnesses identified in the policy, rather than as percentages of hospital or other medical expenses as they are incurred. Get up to speed on plan design, conditions covered, policy interpretation, exclusions, rates, and premiums.
• Misrepresentation in Health Insurance Applications
  Rely on this practice note to identify and avoid misrepresentations in applications for health insurance. Learn about misrepresentations attributable to the applicant, the insurance intermediary involved in the underlying transaction, and those with more tangential involvement with the transaction, like examining physicians. Differentiate between intentional (i.e., fraudulent) misrepresentations and innocent ones, as well as material versus immaterial misrepresentations.
• Healthcare Discount Plans Checklist
  Consult this checklist when advising clients on matters related to discount plan operations and compliance matters, notably, discount plans offering discounts on medical services provided by physicians.

 
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